Apparatuses, methods and systems for a video remote deposit capture platform

Abstract

The APPARATUSES, METHODS AND SYSTEMS FOR A VIDEO REMOTE DEPOSIT CAPTURE PLATFORM (hereinafter “RDC-Video”) provides a platform for remote deposit by obtaining images of a check from streaming video captured by a video camera, wherein the RDC-Video transforms captured check images and/or entered check deposit information inputs via RDC-Video components into deposit confirmation outputs. For example, in one embodiment, a user may employ a personal computer connected to a web camera, and/or a smartphone with a built-in camera to initiate the remote deposit by holding a check in front of the camera, and the RDC-Video may capture images of the check and send them to a financial institution for deposit processing.

The invention claimed is: 
     
       1. A system comprising:
 a memory; and 
 a processor in communication with the memory configured to:
 process an image of a financial instrument associated with a depositor to obtain a plurality of sample edge points of the financial instrument; 
 process the plurality of sample edge points to project a plurality of vertical and horizontal sample edge lines of the financial instrument and to identify an outer edge of the financial instrument based on the plurality of vertical and horizontal sample edge lines; 
 crop the image of the financial instrument based in part on the identified outer edge to create a rectangular financial instrument image; and 
 transmit the rectangular financial instrument image to a remote financial institution server to deposit funds into an account associated with the depositor. 
 
 
     
     
       2. The system of  claim 1 , wherein the processor is further configured to:
 determine whether the image of the financial instrument is a color image; and 
 based on a determination that the image of the financial instrument is the color image, convert the image of the financial instrument into a grayscale image of the financial instrument. 
 
     
     
       3. The system of  claim 2 , wherein the processor is further configured to:
 divide the grayscale image of the financial instrument into a plurality of sub-tiles; 
 determine a grayscale threshold for each of the plurality of sub-tiles; 
 generate a plurality of quantumized sub-tiles by applying the determined grayscale threshold to each of the plurality of sub-tiles; and 
 recombine the plurality of quantumized sub-tiles to form a quantumized image of the financial instrument. 
 
     
     
       4. The system of  claim 3 , wherein the processor is further configured to:
 generate a virtual image of the financial instrument by applying a convolution filter to the quantumized image. 
 
     
     
       5. The system of  claim 4 , wherein the convolution filter is either a dilation filter or a sharpening filter. 
     
     
       6. The system of  claim 1 , wherein the image of the financial instrument is captured at a mobile device. 
     
     
       7. The system of  claim 1 , wherein the image of the financial instrument is captured at an ATM machine. 
     
     
       8. The system of  claim 1 , wherein the processor is configured to transmit the rectangular financial instrument image to the remote financial institution server via mobile MMS. 
     
     
       9. The system of  claim 8 , wherein a MMS body including the toe rectangular financial instrument image additionally comprises a personal identifying pin. 
     
     
       10. The system of  claim 1 , wherein the processor is configured to transmit the rectangular financial instrument image to the remote financial institution server as part of a video. 
     
     
       11. The system of  claim 10 , wherein the video is part of a live video stream. 
     
     
       12. A method comprising:
 processing an image of a financial instrument associated with a depositor to obtain a plurality of sample edge points of the financial instrument; 
 processing the plurality of sample edge points to project a plurality of vertical and horizontal sample edge lines of the financial instrument and to identify an outer edge of the financial instrument based on the plurality of vertical and horizontal sample edge lines; 
 cropping the image of the financial instrument based in part on the identified outer edge to create a rectangular financial instrument image; and 
 transmitting the rectangular financial instrument image to a remote financial institution server to deposit funds into an account associated with the depositor. 
 
     
     
       13. The method of  claim 12 , further comprising:
 determining whether the image of the financial instrument is a color image; and 
 based on a determination that the image of the financial instrument is the color image, converting the image of the financial instrument into a grayscale image of the financial instrument. 
 
     
     
       14. The method of  claim 13 , further comprising:
 dividing the grayscale image of the financial instrument into a plurality of sub-tiles; 
 determining a grayscale threshold for each of the plurality of sub-tiles; 
 generating a plurality of quantumized sub-tiles by applying the determined grayscale threshold to each of the plurality of sub-tiles; and 
 recombining the plurality of quantumized sub-tiles to form a quantumized image of the financial instrument. 
 
     
     
       15. The method of  claim 12 , wherein the image of the financial instrument is captured at a mobile device. 
     
     
       16. The method of  claim 12 , wherein the image of the financial instrument is captured at an ATM machine. 
     
     
       17. The method of  claim 12 , wherein the rectangular financial instrument image is transmitted to the remote financial institution server via mobile MMS. 
     
     
       18. The method of  claim 17 , wherein a MMS body including the toe rectangular financial instrument image additionally comprises a personal identifying pin. 
     
     
       19. The method of  claim 12 , wherein the rectangular financial instrument image is transmitted to the remote financial institution server as part of a video. 
     
     
       20. The method of  claim 19 , wherein the video is part of a live video stream.